10 Businesses to start with no Money

A lot of young people are constantly asking about the possibility of starting a business without any form of financial investment and if the business can be successful?

The digital age has made it easier to make money even without a dime, thanks to the internet, because it has given a lot of people a platform not just to showcase their talent but make money as well while doing what they love.

Although, the success of these businesses, depends on how hard and smart you work because success comes with determination, resilience, and passion. When combine, can lead to an unimaginable result.

In this article, I will be sharing 10 businesses you can start without money.

10 Businesses to start with no money

Affiliate Marketing

According to Wikipedia, “Affiliate marketing is a type of performance-based marketing in which a business rewards one or more affiliates for each visitor or customer brought by the affiliate’s own marketing efforts“.

Performance-based marketing is a marketing model where advertisers pay you when there is a measurable result. In Affiliate marketing, you will use your platforms or word of mouth to promote other people’s products using a unique id or link, and when someone purchases through you, you earn a commission for that.

Affiliate marketing can be run on your social media platforms by using video or image content to talk about other people’s products. Most videos on youtube promote affiliate products as well.

You can also start a niche blog like this one to share information, ideas and link them to your affiliate products.

To learn how to start an Affiliate Marketing business, click this link

Become an Agent or Middleman

You can run this business both online and offline, with or without money.

There are a lot of people looking for solutions to their problems both online and offline and if you are the type that knows where the solution is, you can connect the solution provider with their ideal customer and get paid for that.

That is how real estate agent makes their money by connecting the home buyer to home owners and get paid a commission usually 5%.

This business model is a lot like affiliate but the difference between them is that to become an agent or middle man, you must know the solution provider and enter some sort of agreement with them while with affiliate marketing, you don’t need to know the owner because its an already setup system

You can find someone who sells or offer solutions that people will be interested in, sign an agreement, and bring clients to them for a commission.

Virtual Assistant

Although Virtual Assistant requires some technical skills to excel in this business.

Thanks to the internet, companies, and organization are constantly looking for people to work remotely for them. Covid 19 Pandemic also increases the need for remote jobs as people now work from home.

The Virtual Assistant business is a type of business where you offer administrative duties to your clients offline or remotely. A businessman traveling to a new city for business may require the service of a virtual assistant to help him with some administrative tasks such as document processing, booking of flights, research, customer service, graphic designs, social media management, etc.

To become a virtual assistant, you need to acquire some basic skills such as;

  • Oral and written communication skills
  • Time management skills
  • Computer skills
  • Organzation skills
  • Ability to work without supervision
  • Ability to work under pressure
  • Email marketing
  • Knowledge of social media
  • Research skills
  • Knowledge of online tools
  • Etc.

Job search sites like Fiverr, Upwork, etc, are platforms that you can signup to start offering virtual assistant services. Social media platforms are a good place to start so that you can build a portfolio


Freelancer is a lot like virtual assistant but the difference is that freelancer operates on their own and usually niche the services they offer. According to Wikipedia, a freelancer or freelance worker, are terms commonly used for a person who is self-employed and not necessarily committed to a particular employer long-term.

You are learning or develop a particular skill and offer it as a service. Some of the freelance jobs include but are not limited to;

  • Website design
  • Social Media Management
  • Graphic Design
  • Search Engine Optimization
  • Translation
  • Audio Transcribing
  • Data Entry
  • Copywriting
  • Software Development
  • App Development
  • Consulting
  • Video production
  • Digital Marketer
  • Personal Shopper
  • Etc.

Personal Shopper

A personal shopper is someone who helps busy people shop for items and offer advice on items too. Personal shoppers are usually employed by department stores, supermarkets, etc., and are usually called shop assistants, sales assistants, fashion stylists, etc., however, there are freelance personal shoppers who can be hired specifically for a particular purpose.

You can decide to be a personal shopper by niching for groceries, fashionable items, office items, kids items, corporate individual, etc.

Besides helping individuals in making purchase decisions, part of your job requires helping your clients get a good bargain for their money.

To become a personal shopper, you will need the following skillset; excellent communication, listening, bargaining, customer service, ability to prioritize tasks, and time management.

Dropshipping Business

Another 1 out of 10 businesses to start with no money is dropshipping business.

Dropshipping business is a business model where you use your platforms (usually an eCommerce store) to list and sell products/inventory you sourced from suppliers online usually from online market places like Aliexpress, Amazon, eBay, etc.

Although this type of business requires no money to start if you already have technical skills if you do not, then you will need a website designer to create the eCommerce store and you will also need a plugin that will help you fulfill orders automatically.

Click the link below to learn in detail how to start a dropshipping business

Learn how to start a dropshipping business in Nigeria

Online Course

Another way to make money online with no cash is to create a course around your knowledge or what you do, identify your target audience and sell to them.

For instance, If you understand how to do bookkeeping for a startup, create a course teaching people how to do their bookkeeping for their business and publish it in an online market learning platform.

Sites like Teachable, Udemy, Coursera, Skillshare, Edx, and even youtube are platforms where you can upload your course and make money online.

To create an online course, you can use online tools like Canva, Camtasia, adobe captivate, etc. to create your course.

T-Shirt Designer

You can start a T-shirt design business when you can brand and design T-shirts online. People can order a T-shirt to be customized for them. You can design it and print it on demand using sites like Teespring.

Teespring is an online eCommerce store that you can use to create and sell T-shirts. You can create a teespring account and upload your designs for free. You only pay when an order is made for your designs.

How Teespring works

  1. With teespring, you can use the tool to create custom designs or upload yours on teespring launcher
  2. Teespring has a store where your designed products can be uploaded, promotion codes for your marketing, and more
  3. When an order is made, teespring takes care of the production and the shipping of the designed products to the buyer while you do nothing
  4. Teespring customer services is always available to make sure your customers are satisfied

Here is how Benny Hsu made $100,000 on Teespring in just 5 month

Sell your Photos

If you love taking posing and taking pictures, you might as well start a business by selling your photos.

Organizations are constantly in need of corporate photos for their business branding, websites, books, products, and even for running digital ads.

Shutterstock, esty, istock, Getty image, etc are some of the stock photo sites where you can upload your photos and get paid when someone purchases your photos.

The good things is that one picture can be sold over and over again making it a passive income generator.

You can also sell them on your social media platforms and on your website by inviting corporate organizations to purchase directly from you.

The organization can also request for exclusive custom photos from you which you can charge them accordingly.

Take Online Surveys

Another 1 out of 10 businesses to start with no money is by taking surveys, completing online tasks, and performing research for people or organizations.

How to make money taking surveys online

Although money made from online surveys is usually not that much, however, if you are committed to getting lots of online surveys to take, plus completing an online task like search engine evaluator and others, you can make a good amount of money.

Learn how I made over $1,000 dollars as a Search Engine Evaluator

The above is proof that you don’t need money to start a business, all you need is the commitment and the drive to make things happen.

Learn about the different online business models available and pick one you can do, research your target audience, create a platform and start promoting.

Do not forget that patient is also a virtue you must grow while running an online business

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